BANKING ANALYTICS

Ranking of the Azerbaijani banking sector (ranking includes the information component of the banking sector, the main events of the world economy, the analytical review of the main indices of the banks which are being ranked)

Azerbaijani Unibank Presents "Diamond Deposit" Lottery

Each month Unibank customers will have a chance to win 3 diamonds. Every AZN/USD/EUR 1,000 deposited has a chance of winning. The greater the deposit, the higher the chances of winning!

This lottery will be for a period of one year beginning from April 2008 to March 2009. During this period Unibank will raffle three diamonds of 0.3 carats each month. The 12th raffle will coincide with the Novruz Bayram in March 2009. All the diamonds are certified appropriately with their quality (weight, colour, clarity and cutting) indicated. Bank customers who already have deposits prior to the beginning of the lottery are eligible to participate.

The winners will be determined by computer randomly under the control of independent monitors, and will be notified of their winnings within three banking days after the lottery. Announcements will be published at the end of the lottery

UNIBANK'S DEPOSITS

All the interest rates are given in annual values.

"Term" Deposit:

Term of Deposit

Accrued Interest

Paid Monthly

Paid Semi-Annually

Paid Annually

Paid on Maturity

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

6 months

11%

12%

-

-

-

-

-

-

-

11.3%

12.3%

-

12 months

12.5%

13.5%

9%

13%

14.5%

9.2%

-

-

-

13.2%

15%

9.4%

18 months

13%

14%

9%

13.6%

14.6%

9.2%

-

-

-

14.3%

15.5%

9.6%

24 months

13.5%

14.5%

9%

14.2

15.2%

9.2%

14.4%

15.5%

9.4%

15.4%

16.7%

9.8%

The plastic cards classes depending on the Term Deposit amount:

Term of Deposit

Accrued Interest

Paid Monthly

Paid Semi-Annually

Paid Annually

Paid on Maturity

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

6 months

11%

12%

-

-

-

-

-

-

-

11.3%

12.3%

-

12 months

12.5%

13.5%

9%

13%

14.5%

9.2%

-

-

-

13.2%

15%

9.4%

18 months

13%

14%

9%

13.6%

14.6%

9.2%

-

-

-

14.3%

15.5%

9.6%

24 months

13.5%

14.5%

9%

14.2

15.2%

9.2%

14.4%

15.5%

9.4%

15.4%

16.7%

9.8%

Amount of Deposit in AZN/USD/EUR

Plastic Card

1000-5000

Visa Electron or MC Maestro

5000-20000

Visa Classic or MC Standard

20000-50000

Visa Gold or MC Gold

Over 50000

Visa Platinum or MC Platinum

"Progressive" Deposit:

Term of Deposit

Accrued Interest

Paid Monthly

Paid Semi-Annually

Paid Annually

Paid on Maturity

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

6 months

11%

12%

-

-

-

-

-

-

-

11.3%

12.3%

-

12 months

12.5%

13.5%

9%

13%

14.5%

9.2%

-

-

-

13.2%

15%

9.4%

18 months

13%

14%

9%

13.6%

14.6%

9.2%

-

-

-

14.3%

15.5%

9.6%

24 months

13.5%

14.5%

9%

14.2

15.2%

9.2%

14.4%

15.5%

9.4%

15.4%

16.7%

9.8%

Amount of Deposit in AZN/USD/EUR

Plastic Card

1000-5000

Visa Electron or MC Maestro

5000-20000

Visa Classic or MC Standard

20000-50000

Visa Gold or MC Gold

Over 50000

Visa Platinum or MC Platinum

Term of Deposit

AZN

USD

EUR

to 3 months

6%

6%

-

3 to 6 months

7%

8%

5%

6 to 9 months

9%

10%

6%

9 to 12 months

10%

11%

7%

12 months

13%

14%

9%

"Accumulation" Deposit:

Term of Deposit

Accrued Interest

Paid Monthly

Paid Semi-Annually

Paid Annually

Paid on Maturity

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

AZN

USD

EUR

6 months

11%

12%

-

-

-

-

-

-

-

11.3%

12.3%

-

12 months

12.5%

13.5%

9%

13%

14.5%

9.2%

-

-

-

13.2%

15%

9.4%

18 months

13%

14%

9%

13.6%

14.6%

9.2%

-

-

-

14.3%

15.5%

9.6%

24 months

13.5%

14.5%

9%

14.2

15.2%

9.2%

14.4%

15.5%

9.4%

15.4%

16.7%

9.8%

Amount of Deposit in AZN/USD/EUR

Plastic Card

1000-5000

Visa Electron or MC Maestro

5000-20000

Visa Classic or MC Standard

20000-50000

Visa Gold or MC Gold

Over 50000

Visa Platinum or MC Platinum

Term of Deposit

AZN

USD

EUR

to 3 months

6%

6%

-

3 to 6 months

7%

8%

5%

6 to 9 months

9%

10%

6%

9 to 12 months

10%

11%

7%

12 months

13%

14%

9%

AZN

USD

EUR

11%+2% bonus

12.5%+2% bonus

8%+2% bonus

The 2% bonus is payable in the event that you supplement your initial deposit instalment on a monthly basis, in which case the rate of interest on your deposit will be recalculated to equal 13% (for AZN deposits), 10% (for EUR deposits) or 14.5% (for USD deposits)